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題名:從法制層面分析P2P網路借貸在中國大陸造成之影響--兼論臺灣之展望與衝擊
書刊名:財金論文叢刊
作者:呂嘉穎徐正戎
作者(外文):Lyu, Jia-yingShyu, Jenq-rong
出版日期:2017
卷期:26
頁次:頁55-69
主題關鍵詞:P2P網路借貸金融科技銀行日出條款Peer-to-peer lendingFintechBankSunrise clause
原始連結:連回原系統網址new window
相關次數:
  • 被引用次數被引用次數:期刊(2) 博士論文(0) 專書(0) 專書論文(0)
  • 排除自我引用排除自我引用:2
  • 共同引用共同引用:2
  • 點閱點閱:40
金融科技的發展為社會帶來了便利同時也帶來了衝擊,P2P網路借貸屬於金融科技的其中一項分支。對於民眾而言,P2P網路借貸所帶來的全新思維,相較於傳統借貸的手續繁雜是簡便且迅速的。然而,新型態的行業所產生的問題在沒有法律加以限制的情況下,勢必對社會造成極大的影響。本文藉由中國大陸在P2P網路借貸的先行及所面對到的問題與法規範的制定做出論述,希望藉由中國大陸的經驗提供台灣未來在面對P2P網路借貸專法所造成的衝擊時,能夠以一個較為完善的角度面對,並同時制定屬於台灣金融科技下的P2P網路借貸專法。本文以法社會學的思考從社會角度與法律間進行討論,並透過比較法的使用,比較中國大陸與台灣在法制層面下就P2P網路借貸之不同態度。期許本文能對將來金融科技下P2P網路借貸專法的制定作出個人微小之貢獻。
The development of Fintech brings convenience and impacts to the society, P2P Lending is a part of Fintech. P2P Lending is the brand new paradigm. Comparing to complex procedures of conventional lending, it is easier and faster. However, the problems emerging in the new type of industry without new law constraints can doom the society. The study discusses the problems and regulations of P2P Lending in China and expects to provide the advices according to China's experience when Taiwan face the impacts from P2P lending, we can solve the problem from comprehensive angles and set Tenancies Act. The study will discuss with Sociology of law from social and law angles. Comparing the different attitudes of P2P lending between China and Taiwan under law angle by comparative method. Hope this study can contribute to the regulation of P2P lending in the future.
期刊論文
1.何啟嘉、呂桂玲(20141200)。中國大陸非金融機構經營網路金融之現況、影響及監理。國際金融參考資料,67,155-163。new window  延伸查詢new window
2.陳松興、江俊豪(20160300)。中國大陸互聯網金融之網路借貸(Peer-to-Peer Lending)發展對臺灣數位金融之影響研究--以風險監理角度。兩岸金融季刊,4(1),103-115。new window  延伸查詢new window
3.郭靂、夏戴樂(20150600)。中國式影子銀行--緣起、特色與出路。兩岸金融季刊,3(2),83-101。new window  延伸查詢new window
4.林柏君(20160700)。從英、美國家經驗看P2P網路借貸的發展。經濟前瞻,166,38-41。  延伸查詢new window
5.李朝暉(2015)。我國P2P 網絡借貸與小微企業融資關係的實證研究。現代經濟探討,2015(2),43-47。  延伸查詢new window
6.李端生、夏偉(2017)。基於網絡借貸新規的P2P 發展研究。會計之友,2017(5),108-111。  延伸查詢new window
7.中國人民銀行滄洲市中心支行(2016)。加強網絡借貸監管的法律思考。河北金融,2016(7),63-64。  延伸查詢new window
8.許杏宜(20160700)。P2P網路借貸的法律未來。會計研究月刊,368,44-48。  延伸查詢new window
9.趙大偉(2016)。關於新監管規則下P2P網路借貸發展的幾點思考。金融縱橫,2016(9),22-28。  延伸查詢new window
10.張斌(2016)。我國P2P 網絡借貸監管機制構建:基於英美經驗--兼評《暫行辦法(徵求意見稿)》。甘肅金融,2016(7),19-23。  延伸查詢new window
11.張文晴(2015)。我國P2P網絡借貸平台的合法性界定及法律監管。法制與社會,2015(5),138。  延伸查詢new window
12.楊振能(2014)。P2P網絡借貸平台經營行為的法律分析與監管研究。金融監管研究,2014(11),30-36。  延伸查詢new window
13.陳松新、蘭虹(2015)。風險投資和第三方資金託管能否促進P2P網絡借貸的發展。南方金融,470,19-27。  延伸查詢new window
14.葉銀華(20160800)。如何管理網路借貸平臺?。會計研究月刊,369,20-24。  延伸查詢new window
15.秦琴(2016)。解構與續造:我國網絡借貸風險防控的路徑簡論。河北法學,34(11),183-186。  延伸查詢new window
16.鄭菀瓊(20080700)。P2P借貸平臺網站之法律性質初探。科技法律透析,20(7),10-14。  延伸查詢new window
17.賈麗平、邵利敏(2015)。P2P網絡借貸的監管邊界:理論探討與中國的檢驗。經濟社會體制比較,179,175-183。  延伸查詢new window
18.董小軼(2016)。我國P2P 網絡借貸風險及對策分析。時代金融,652,214-215。  延伸查詢new window
19.Barasinska, Nataliya、Schaefer, Dorothea(2014)。Is Crowdfunding Different? Evidence on the Relation between Gender and Funding Success from a German Peer-to-Peer Lending Platform。GERMAN ECONOMIC REVIEW,15(4),450-451。  new window
20.Chen, Xiangru、Zhou, Lina、Wan, Difang(2016)。Group social capital and lending outcomes in the financial credit market: An empirical study of online peer-to-peer lending。ELECTRONIC COMMERCE RESEARCH AND APPLICATIONS,15,1-13。  new window
21.Freedman, Seth、Jin, Ginger Zhe(2017)。The information value of online social networks: Lessons from peer-to-peer lending。INTERNATIONAL JOURNAL OF INDUSTRIAL ORGANIZATION,51,185-222。  new window
22.Guo, Yanhong、Zhou, Wenjun、Luo, Chunyu(2016)。Instance-based credit risk assessment for investment decisions in P2P lending。EUROPEAN JOURNAL OF OPERATIONAL RESEARCH,249(2),866。  new window
23.Yum, Haewon、Lee, Byungtae、Chae, Myungsin(2016)。From the wisdom of crowds to my own judgment in microfinance through online peer-to-peerlending platforms。ELECTRONIC COMMERCE RESEARCH AND APPLICATIONS,11(5),469-483。  new window
24.盧沛樺(20160520)。網路借錢P2P泡沫來了。天下雜誌。  延伸查詢new window
25.孫英雋、蘇顏芹(2012)。微金融的發展趨勢:網路借貸。科技與管理,14(1),92-95。  延伸查詢new window
26.Mild, Andreas、Waitz, Martin、Wöckl, Jürgen(2015)。How Low Can You Go?--Overcoming the Inability of Lenders to Set Proper Interest Rates on Unsecured Peer-to-Peer Lending Markets。Journal of Business Research,68(6),1291-1305。  new window
會議論文
1.Cai, Shun、Lin, Xi、Xu, Di(2015)。Judging online peer-to-peer lending behavior: A comparison of first-time and repeated borrowing requests。Pacific Asia Conference on Information Systems。Singapore。866。  new window
其他
1.大紀元(20170421)。「龐氏騙局」E租寶案2,000被害人聘律師訴訟:第一步閱卷就受到阻礙,https://www.epochtimes.com.tw/n207879/%E9%BE%90%E6%B0%8F%E9%A8%99%E5%B1%80E%E7%A7%9F%E5%AF%B6%E6%A1%882-000%E8%A2%AB%E5%AE%B3%E4%BA%BA%E8%81%98%E5%BE%8B%E5%B8%AB%E8%A8%B4%E8%A8%9F-%E7%AC%AC%E4%B8%80%E6%AD%A5%E9%96%B1%E5%8D%B7%E5%B0%B1%E5%8F%97%E5%88%B0%E9%98%BB%E7%A4%99.html。  new window
2.李珮雲(20170414)。女大生「裸貸」250萬沒錢還裸照遭瘋傳,http://hottopic.chinatimes.com/20170414005871-260803。  延伸查詢new window
3.新浪綜合(20170421)。評論:培訓貸陷阱比裸貸套路還深靠什麼破除?,http://finance.sina.com.cn/review/jcgc/2017-04-21/doc-ifyepsch2214109.shtml。  延伸查詢new window
4.孫中英(20161103)。金管會:銀行可百分之百轉投資P2P網路借貸,https://udn.com/news/story/6/2066193。  延伸查詢new window
 
 
 
 
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